| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON INC. | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 1.31% |
| SCOTT MICHAEL A - 54529S Filed as: SCOTT MICHAEL A 54529S | PO BOX 4207 GS SPRINGFIELD, MO 65801 | KANSAS CITY LIFE | $26K | — | $26K | 9.90% |
| DIRECT BENEFITS INC3 Filed as: DIRECT | 12399 GRAVOIS RD ST LOUIS, MO 63127 | ADVANTICA INSURANCE COMPANY | — | — | $0 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 312 | $1.9M |
| Vision | ADVANTICA INSURANCE COMPANY | 308 | $19K |
| Life insurance | KANSAS CITY LIFE | 206 | $260K |
| Short-term disability | KANSAS CITY LIFE | 206 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.